Whether it’s dealing with the IRS, foreclosure, or wage garnishment, Atty. Ike Shulman is here to help. We can assist you in the following: Chapter 7 Bankruptcy – This can discharge many types of debts, halt wage garnishments, and get you a "fresh start." Chapter 13 Bankruptcy – This works well by allowing a payment plan for many individuals with home mortgages, car loans, or tax debts when Chapter 7 won't provide the needed relief.